SmarterCare will alert you to certain events, but you still make all your own decisions on what to do.
We do not know your personal circumstances and cannot provide advice.

Sometimes the most obvious course of action might not be right for you so here are some things to think about. This is not a complete list.

We have also included links to other resources that may help, some of which are provided by the Government's Money Advice Service.

Do nothing

This is fine. You can simply dismiss the alert and it will go away. This will not affect future alerts.

There is a reason for the alert though, so it's worth thinking carefully before you make up your mind.

Switch to a different investment

Things to consider:

No-one can predict the future and it is possible that your current investment will perform better than anything else in our comparison tables.
Our projected returns are only based on the balance of probability and actual returns on each investment will be different.

Past performance is not a guide to the future. Just because recent performance of your investment has been good or bad does not mean that this will continue to be the case.

Have you checked you're still comfortable with the level of risk/return of your investment?
Our risk explorer can help you decide if the amount of risk is still right for you.

The projected returns in our comparison tables take into account diversification of risk.
This means that sometimes investments with higher charges can still have higher projected returns in our comparison tables.

Investing is for the long term and past performance is not a guide to the future. Just because recent performance of your investment has been good or bad does not mean that this will continue to be the case.

Changing your level of risk / return

Our risk explorer can help you decide if the amount of risk in your investment is still right for you.

Have you considered the trade-off between risk and return?

Higher risk investments will probably have higher returns over the longer term

But higher risk investments are also more likely to fall in value, increasing the risk that you lose money

The right amount of risk for you depends on your circumstances and investment aims.

Have your personal circumstances changed since you first took out the investment?
For example:

your level of income

the value of other assets you own

whether you have debts

whether you have children or are married

whether you own a house

Has the purpose of your investment changed since you first took it out?
For example:

We provide high quality impartial information but not advice, so it is important that you understand the risks of investing. The value of investments can go down as well as up which means you may get back less than you put in.